You do not have to go through the hassle of medical tests for buying this plan. All you have to do is fill up an application form, choose your pay term, your health insurance benefit term and any additional premium that you may choose to pay to enhance your health reimbursement benefit.

Cover for your regular medical expenses

The premium that you pay is used to create a fund which you can start using from the sixth year onwards to cover routine health and medical related expenses over your entire life. These would include your dental care, general practitioner fees and similar expenses. All you have to do is provide us a copy of the bills to get the amount reimbursed.

Enhanced savings through Guaranteed Additions

Your fund value is increase at the end of the health insurance benefit term by means of Guaranteed Additions, giving you an additional amount to meet your health care expenses.Your Guaranteed Addition amount depends on your policy premium and the combination of premium paying term and health insurance benefit term you choose. The Guaranteed Additions are applicable only if you have paid all your premiums.

Cover for Hospitalisation Expenses and Critical Illness

In case of hospitalisation, you will receive a daily fixed cash benefit as below:. Rs. 2000 for hospitalisation without surgery, Rs. 4000 for hospitalisation involving surgery and Rs. 8000 for surgery related to brain, heart, liver or lungs

In case you are diagnosed with a Critical Illness, you will receive a lump sum equal to Rs. 20,000 times the policy year in which the critical illness has occurred.

Tax Benefit

You enjoy tax benefits under Section 80D of the Income Tax Act, 1961 under this plan.

Three options to Choose from : 10 pay/ 10 term, 10 pay/20 term and 20 pay/20 term

Terminal Illness and Death Benefit

If you are diagnosed with a terminal illness, you can claim full Fund Value, even without providing bills against it.
In case of unfortunate death, your nominee will receive the Fund Value.

Investment Option – LifeCycle

Your premiums will be invested between Maximiser (100% equity) and Income Advantage (100% debt) in a predetermined proportion based your risk profile and age at the time of investment.
Please refer to brochure for full details